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Jhero23
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Things are getting pretty serious now, poverty is the norm in Nigeria and of course we have to try and get food with the little resources we have. Could someone recommend me a list of things to buy under 500 ...Read more

Things are getting pretty serious now, poverty is the norm in Nigeria and of course we have to try and get food with the little resources we have. Could someone recommend me a list of things to buy under 500 that can last for 14 days

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Tosin Olayinka
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A Loan according to Merriam Webster dictionary is; money lent at interest or omething lent usually for the borrower’s temporary use. A loan is when you get hold of cash from a friend, bank in alternate for future reimbursement of the cash plus interest.  Here’s how the loan process works; When ...Read more

A Loan according to Merriam Webster dictionary is; money lent at interest or omething lent usually for the borrower’s temporary use.

A loan is when you get hold of cash from a friend, bank in alternate for future reimbursement of the cash plus interest. 

Here’s how the loan process works; When someone needs money, they apply for loans from banks, companies, governments or other entities. The borrower may need to provide specific details, such as the reason for the loan, financial history and other information. The lender reviews the information, including the personal debt-to-income ratio (DTI) to determine if the loan can be repaid. Depending on the creditworthiness of the applicant, the lender rejects or approves the application.

Before we go ahead to talk more on loans and it’s advantages, let’s talk about types of LOANS

1: Secured Loans:

This type of loan requires an asset to secure the loan. If the borrower defaults on the loan, the lender has the right to take the collateral. However, secured loans are more volatile than unsecured loans because you may want to lose your collateral if you cannot clear the debt. You consequently think very carefully – and consider other picks – earlier than taking out a secured loan.

2: Unsecured Loans:

This kind of loan mean that the borrower does not have to provide assets as a guarantee. In a non-secure loan, the lender is very complete when evaluating the financial condition of the Borrower to be sure if they are capable of taking the loan. However, unsecured loans are more risky than fixed loans for lenders, you need a high credit score for approval.

Under these loans we have:

Mortgage loans

Small business loans

Student loans

Home equity loans etc.

Loans can be a good thing, but they can also mar you, one of the keys to financial success is knowing when a it is a good solution for your situation. If you cannot repay it within the specified term, then a loan is not a good idea. Either you want to promote growth, maintain day-to-day operations, acquire new equipment, smooth and support unbalanced cash flow, establish a reliable supply chain, or finance existing projects, exploring the benefits of borrowing can be the right decision.

Borrowing money allows you to support aspects of the business that you may not be able to pay. However, even if you are lucky enough to have enough capital, giving up savings can cause problems later in the development of your business and limit your ability to establish a reputable credit rating. So, instead of pre-buying goods and services, exploring the benefits of borrowing money allows you to split or postpone spending until later, and your goals are more affordable in the long run.

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Tosin Olayinka
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There are 3.5 billion smartphone users in the world. Almost 4.54 billion are using the internet. 2.96 billion people are using social media. With the tremendous change in life, social media becomes the largest platform to connect people and to do business effortlessly. Every person likes to ...Read more

There are 3.5 billion smartphone users in the world. Almost 4.54 billion are using the internet. 2.96 billion people are using social media. With the tremendous change in life, social media becomes the largest platform to connect people and to do business effortlessly.

Every person likes to be social and interactive in the world. In a web-based society, it is quite easy these days to engage. It is not tough to communicate with other people with the intervention of social media.

Keeping this in mind, we will outline some of the popular social media apps to be on.

FACEBOOK: Facebook is one of the most widely used apps in the world with  2.41 billion monthly active users. You Should Prioritize Facebook if; You want to reach an audience of adults and have engaging visual (or video) content that can capture their attention, invoke an immediate emotional response and make them excited to share with their friends. Or if you want an easy way to create an online community around a topic or business.

YOUTUBE: YouTube hails as the second most popular search engine in the world today, right behind its parent company, Google.
It has 2 billion monthly active members, it allows the user to upload, view, share, rate, report, and comment on the video.

The Content that Works Best on YouTube are Video only. Depending upon your type of business and who your audience is, both long-form and short-form video content can work very well on this platform.

INSTAGRAM: Instagram is the app that has become a sensation these days. There are 1 million people connected on Instagram across the globe. Amongst all, Instagram has unique features which provide two types of account to its members.
One is a private account in which you can make friends of your own choice. The second one is the business account, users can promote the brand, profile or anything visitors want in the profile.
The Content that Works Best on Instagram: Beautiful photography, stunning visuals, unique designs, selfie-style video that speaks directly to your audience and a cohesive theme to your content will help you stand out on Instagram.

WHATSAPP: There are almost 1.6 billion WhatsApp users in the world. It is the best messaging platform for your family or friends. WhatsApp includes many features and some of the essential features are:

Voice call and video call
Save the data offline
Backup data
Share contacts, locations, and documents

WhatsApp has been building out its business platform to allow businesses to have a proper business profile, to provide customer support, and to share updates with customers about their purchases. For small businesses, it has built the WhatsApp Business app while for medium and large businesses.

SNAPCHAT: Snapchat app has 314 million users. This is the best app that captivated the hearts of millions of users. Snapchat is a multimedia messaging app where users can do instant messaging, video chat, share videos, etc.

The most appealing thing in Snapchat is filters that make it different from others. It is the only app that shows the right direction of the users. In this, the end-user can send the video and image along with the message.

TWITTER: Twitter is the real-time microblogging website on social networking app. The message is known as tweets where registered users can tweet, and unregistered visitors can read the tweets. Twitter has 330 million users.

Twitter Inc is based in San Francisco, California, and has more than 25 offices around the world. Tweets were originally restricted to 140 characters, but was doubled to 280 for non-CJK languages in November 2017. Audio and video tweets remain limited to 140 seconds for most accounts.

Social media popular apps
Popular apps
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Tosin Olayinka
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Digital marketing is becoming a form of profitable marketing for brands who want to grow their business in a powerful and effective way. If you have a business, it’s important to engage in digital marketing to attract more customers. Read more

Digital marketing is becoming a form of profitable marketing for brands who want to grow their business in a powerful and effective way. If you have a business, it’s important to engage in digital marketing to attract more customers.

What is Digital marketing?

It is a collection of platforms that enable you to design digital marketing campaigns and connect with customers in a very flexible and efficient way. Digital marketing helps businesses utilize techniques and strategies to attract quality traffic that will not only attract more traffic to the business, but also bring more engagement and conversions.

How can it help grow business?

1: Establish a strong social media presence.
Social media is getting stronger day by day. It cannot be ignored, it is a key marketing tool. Many companies have managed to expand their customer base in this way alone. With the click of a button, you can now reach millions of customers.

2: Target the Right Audience
Audience segmentation is now easier than ever, because many digital marketing platforms allow you to target specific audience groups. We may use online tools that track personal online activity and demographic information. Digital marketers can use this data to provide users with specific products or services that may be of interest to them.

3: Levels the Playing Field
Big companies have big marketing budgets, but digital marketing offers a level playing field for everyone, big or small. Content marketing and SEO require investment, but you don’t have to go broke. If you can create high-quality content that answers people’s questions, you can rank for long-tail keywords. It may take some time, but it is possible.

4: Expanding the customer base
Always remember that it is the customers who help them prosper. Establishing and expanding customer reach in digital marketing is critical to maintaining a friendly relationship with customers. When customers discover that the online image of the brand is interactive and can automatically accept complaints, inquiries, etc., they will build trust and compliance. In short, customer acquisition is very important for companies.


In conclusion: The Internet is a powerful tool that provides unlimited communication opportunities for businesses and consumers. Effective use of its advantages and full use of various possibilities, which makes digital marketing so important in today’s business world. Marketers can use many unique tools and techniques to help businesses increase traffic, conversion rates, and return on investment, regardless of company size and budget. Digital marketing can now be easily analyzed to help even the newest and smallest companies keep up with large, mature companies.Every business owner want to be fulfilled and succeed, with this few tips you should be able to reach a milestone in your business

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